Should you borrow against your portfolio instead of selling?
Selling triggers taxes and breaks your allocation. Borrowing has its own risks. Here's how to actually weigh the two.
Read the articleInvesting & portfolio-backed credit
Your portfolio can do more than sit there and grow.
OPO Investor builds and manages your investment portfolio — and lets you borrow against it when life needs cash, so you're never forced to sell at the wrong moment just to cover a bill.
$740M+in client assets under advisement
21,000+investor accounts managed
4.7 / 5average client rating
Sample portfolio value
$0
Available credit line (illustrative 50% LTV)
$0
Demonstration data updated live on this page only. Actual credit lines depend on eligible holdings, market value, and applicable margin requirements.
$740M+
Assets under advisement across client accounts
21,000+
Investor accounts opened since 2015
0.35%
Typical annual advisory fee on managed portfolios
4.7 / 5
Average rating across 3,100 reviews
Six ways your portfolio can work harder
Investing and borrowing usually sit in separate conversations. We treat them as one.
01
Managed investment portfolios
Diversified portfolios built around your timeline and risk tolerance, monitored on an ongoing basis.
02
Portfolio-backed credit lines
Borrow against eligible holdings for a major purchase without triggering a taxable sale.
03
Retirement account rollovers
Move an old 401(k) or IRA into a portfolio that's actually being watched and rebalanced.
04
Tax-aware rebalancing
Keep your allocation on target while paying attention to the tax consequences of every trade.
05
Credit profile review for investors
Understand exactly how a portfolio loan or margin position could affect your broader credit picture.
06
Dedicated portfolio advisor
One named advisor who knows your account, not a rotating queue of support tickets.
From opening an account to your first rebalance
Four stages, and an advisor with you at each one.
01 — Open
Open an account
Fifteen minutes online, or with an advisor on the phone if you'd rather talk it through.
02 — Fund
Fund & allocate
Transfer or roll over existing accounts into a portfolio matched to your goals and timeline.
03 — Match
Meet your advisor
A named advisor reviews your allocation and answers the questions a form can't.
04 — Maintain
Ongoing rebalancing
Your portfolio is checked on a schedule, not just when markets move sharply.
Notes from our advisory desk
Straightforward writing on the questions investors actually ask us.
What a margin call actually feels like, and how to avoid one
It's rarely one bad day — it's a slow build most people miss until the notice arrives. Here's what actually triggers it.
Read the article
Rebalancing isn't timing the market — here's the difference
One is a discipline you can automate. The other is a guess. Why the two get confused so often.
Read the articleWhat investors say after their first year
A few of the 3,100+ reviews we've collected from client accounts.
★★★★★
"I needed cash for a renovation and was ready to sell part of my portfolio. My advisor walked me through a credit line against it instead — I kept my position and the interest cost less than the tax hit would have."
Owen Faraday
Portfolio-backed credit line client
★★★★★
"Rolling over two old 401(k)s took maybe twenty minutes of my time total. Everything else was handled, and I finally have one account I actually understand."
Grace Odenkirk
Retirement rollover client
★★★★☆
"What I value most is that my advisor actually calls before rebalancing anything meaningful. It doesn't feel automated even though the process clearly is, in the best way."
Marcus Tellez
Managed portfolio client